日本财富技术解决方案市场评估：依组件、依部署模式、依公司、依最终用户、依地区、机会、预测，2018-2032年

2025-2032年预测期间，日本财富技术解决方案市场规模将以 14.62%的年复合成长率扩大，从2024年的1.8045亿美元增至2032年的5.3758亿美元。该市场是由机器人顾问的成长推动的，机器人顾问透过自动化和个人化策略改变投资管理，人工智慧和机器学习透过更准确的预测和用户体验改变金融服务，以及投资机会，实现小规模投资。它在不断发展的同时受到各种强大趋势的影响，例如日益扩大市场的微型投资。随着人们对区块链技术和加密货币的兴趣不断成长，企业探索新的投资机会管道。日本政府透过其监管环境促进金融科技创新。日本不断整合数位钱包和支付解决方案，以提供复杂的用户体验。世界各地对反映环境、社会和治理（ESG）标准的投资产品的需求不断增加，反映出世界向绿色经济的转变。

财富科技是财富管理与科技的融合。该业务已迅速成为日本金融科技市场最具变革性的领域之一。2024年 2月，Mitsubishi UFJ Financial Group Inc.宣布，其核心银行部门 MUFG Bank Ltd. 已收购机器人顾问公司 WealthNavi，交易金额约为 1.0415亿美元（约 156.5亿日圆）。 15.55%的股份。此次合作目的是利用MUFG银行广泛的客户网路和 WealthNavi 的自动化投资建议专业知识，进一步开发为消费者提供的金融服务。

日本的金融科技透过线上和行动通路颠覆金融服务的提供，成为市场的燃料。这一转变实现了关键流程的数位化，使金融解决方案以合理的成本更快、更方便。恢復银行、保险公司、资产管理公司和消费者对金融科技的信任，以及快速、安全的网路和行动技术的普遍采用，支持了全球经济復苏。这种信任的增加因而又影响了银行和保险公司投资金融科技，以提高获利能力并进一步吸引年轻客户。来自创投和私募股权的资金增加透过超成长策略推动金融科技公司的快速成长。此类金融服务创新将透过加强投资管理并提供获得具有成本效益和创造收入的解决方案的全球途径，进一步引发日本财富科技解决方案市场的井喷式成长。例如，Gojo & Company 在2023年 2月的E 系列融资最终结束时成功筹集了 3,080万美元。 E轮累计融资达1亿美元。

本报告调查了日本的财富科技解决方案市场，提供了市场概况、依组件、部署模式、公司、最终用户、地区的趋势，以及进入市场的公司的概况。

目录

第1章 专案范围与定义

第2章 研究方法

第3章 执行摘要

第4章 顾客回馈

第5章 日本财富科技解决方案市场展望，2018-2032年

• 市场规模分析与预测
• 市占率分析与预测
• 2024年市场地图分析
  • 依组件
  • 依部署模式
  • 依公司
  • 依最终用户
  • 依地区

第6章 供需分析

第7章 价值链分析

第8章 波特五力分析

第9章 PESTLE分析

第10章 成本结构分析

第11章 市场动态

第12章 市场趋势与发展

第13章 案例研究

第14章 竞争态势

• 前 5 名市场领导者的竞争矩阵
• 前 5 名的公司的SWOT 分析
• 前10名主要企业状况
  • Money Design Company Limited
  • Wealth Navi Company Limited
  • Rakuten Group Inc.
  • Monex Group Inc.
  • The University of Tokyo Edge Capital Partners Company Limited (Finatext)
  • Fundrise LLC
  • Nomura Holdings Inc.
  • Quantifeed HK Limited
  • Gojo & Company Inc.
  • Money Tree Company Limited

第15章 策略建议

第16章 查询及免责声明

Japan WealthTech solutions market is projected to witness a CAGR of 14.62% during the forecast period FY2025-FY2032, growing from USD 180.45 million in FY2024 to USD 537.58 million in FY2032. The market is constantly evolving, influenced by a variety of leading trends, including the growth of robo-advisors that transform investment management with their automated and personalized strategies, AI and machine learning, which are transforming financial services with more accurate predictions and user-experiences, and micro-investing, making investment opportunities increasingly available by letting people invest at a small-scale. With the growing interest in blockchain technology and cryptocurrencies, firms are looking for new investment opportunity channels. Through a regulatory environment, the Japanese government propels innovations in fintech. Digital wallets and payment solutions are continuously being integrated into the country to provide refined user experiences. There is an ever-increasing demand for investment products in the world that mirror environmental, social, and governance (ESG) criteria, reflecting the change to green economies that the world is going through.

WealthTech is a combination of wealth management and technology. This business has rapidly become one of the most transformational sectors in Japan fintech market. In Feb 2024, Mitsubishi UFJ Financial Group Inc. announced that its core banking unit, MUFG Bank Ltd, would buy a 15.55% stake in robo-advisor firm WealthNavi Inc. in a deal worth about USD 104.15 million (JPY 15.65 billion). The tie-up now intends to leverage MUFG Bank's widespread customer network and WealthNavi's know-how in automated investment advice to further develop the financial services available to consumers.

Growth of the Fintech Sector Fuels Market Expansion

FinTech in Japan acts as market fuel by disrupting the delivery of financial services online and through mobile channels. This shift has digitized critical processes in such a way that financial solutions have turned out to be faster and more convenient at a reasonable cost. The restoration of confidence in fintechs among banks, insurance companies, asset managers, and consumers aided in the recovery phase of the global economy by the general adoption of high-speed and safe internet and mobile technologies. This growing confidence has, in turn, influenced banks and insurers to invest in fintechs to boost profitability and further attract the interest of younger customers. Increased funding from venture capital and private equity has driven the fast growth of fintech companies that are following hyper-growth strategies. These financial service innovations result in strategies, further causing growth spurts in the WealthTech solutions market of Japan by enhancing investment management and providing access to global avenues for cost-efficient and revenue-generating solutions. For Instance, Gojo & Company, Inc. has successfully raised an additional USD 30.8 million in the final close of their Series E fundraising in February 2023. The cumulative Series E financing amount has reached USD 100 million.

Rise in Digitalization to Propel Market Growth

Digitalization is proving to be one of the latest market trends, and wealth management has started to take up this platform. WealthTech solutions are at the helm in this shift from traditional methods of wealth management. Integrated digital tools, AI, and machine learning make these solutions imperative for property management firms and high-net-worth individuals. The contribution of rapid internet expansion and increased interest among millennials in fintech have driven this shift. On mobile, speeds rose from 40.75 Mbps in July 2023 to 46.70 Mbps in July 2024, while fixed broadband rose from 145.49 Mbps to 194.05 Mbps, the latter indicating wired Internet services to gain significant upgrades. These increases seem indicative of continuing upgrades to network infrastructure and technology for faster and more reliable online access with both kinds of connections.

AI and machine learning enhance decision-making as they enable big data analysis in user-friendly formats. Cloud technologies, security solutions, and open-source banking systems form part of the WealthTech solutions to ensure data security and transparency for customers. Process automation, outsourcing, and robo-advisory services continue to hold more value for ultrahigh-net-worth and high-net-worth clients. Predictive analytics technologies powered by machine learning mean better portfolio rebalancing, cost transparency, and AI-driven customer service.

Solution Segment Dominates the Market

The solution segment has seen maximum growth, mainly driven by the rapid adoption of technology in wealth management across individuals and companies. This change in trend is driven by the emergence of an overall digital financial ecosystem based on SaaS, big data, and AI. At the same time, these are the exact building blocks that are changing international money flows structurally and, hence, form the critical factors in the evolution of the market. In August 2024, Fundrise Innovation Fund invested in Immuta, the Leading Provider of Governance and Security Software for Modern Data Infrastructure. This investment is an extensive validation of the future potential of the platform, running at this stage as a market leader in the space.

Besides that, UI/UX feature enhancements have played a role in this growth. The new and more dynamic UI/UX features incorporated within the modern solutions make these platforms convenient to use and substantially improve the end-user's overall experience. This further accelerates simplification and enhances functionality, which adds to the rapid growth and development of the WealthTech solutions market in Japan.

Central Region Dominates the Japan WealthTech Solutions Market

In Japan, the main concentration of the WealthTech solutions market is found in the central region, around Tokyo, in the Kanto area, serving as a substantial financial hub of the country. It is the major city in the world financial center and one of the most densely populated cities by high-net-worth individuals, with a strong driving force for the development of the city's WealthTech industry due to advanced technological infrastructure. At the same time, a vibrant startup environment with a strong representation of financial institutions encourages and affirms innovation in wealth management solutions.

The southern region is becoming an increasingly important player in Japan WealthTech solutions market. Cities such as Osaka in the Kansai area have become important financial centers, with more investment poured and a rising ecosystem of tech startups and financial services firms. This regional growth has been driven by economic diversification, local talent, and appropriate infrastructure development that has further enhanced digital financial services.

Future Market Scenario (FY2025 - FY2032F)

Artificial intelligence is making financial decisions more effective by providing better risk assessment models and automating investment processes.

The interface of WealthTech solutions is designed to be user-friendly, direct, clear, and easy to understand, with engaging content to help consumers make financial planning and investment decisions by consumers.

Investments and property management companies are betting on cryptocurrencies and blockchain technology to disrupt investment and asset management practices.

Key Players Landscape and Outlook

With many emerging players, Japan WealthTech solutions market is becoming more crowded. The market is of prime importance for the innovators of WealthTech solutions, where the market size is in the form of in-house or outsourced technology. Companies in WealthTech are focusing on the transformation of the industry, identifying inefficiencies along the value chain. Key companies try to deploy benefits that include effective portfolio management, increased asset liquidity, an enhanced customer experience, a clear view into costs, better advice, more accessible transaction technologies, and opening the market for alternative investments with private equity and hedge funds.

In July 2024, Thought Machine, the cloud-native banking technology company, and Quantifeed, the leading provider of digital wealth management solutions, announced a new partnership, bringing their joint capabilities to service the private banking sector worldwide. Quantifeed's QEngine platform and Thought Machine's Vault Core offer a truly comprehensive solution for private banks. The integrated system brings together the front, middle, and back offices, enabling a bank's ability to navigate and migrate from monolithic legacy technology and develop new investment products, as well as distribution channels.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Functionality
  • 4.3.2. Cost Structure
  • 4.3.3. Security
  • 4.3.4. Integration Capabilities
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. Japan WealthTech Solutions Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Component
    • 5.2.1.1. Solution
    • 5.2.1.2. Services
  • 5.2.2. By Deployment Mode
    • 5.2.2.1. On-premises
    • 5.2.2.2. Cloud
  • 5.2.3. By Enterprise
    • 5.2.3.1. Large Enterprises
    • 5.2.3.2. Small and Medium Enterprises
  • 5.2.4. By End-user
    • 5.2.4.1. Banking
    • 5.2.4.2. Investment Firms
    • 5.2.4.3. Wealth Management Firms
    • 5.2.4.4. Others
  • 5.2.5. By Region
    • 5.2.5.1. North [Hokkaido and Tohoku]
    • 5.2.5.2. Central [Kanto and Chubu]
    • 5.2.5.3. South [Kansai, Chugoku, Shikoku, Kyushu, Okinawa]
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Component
  • 5.3.2. By Deployment Mode
  • 5.3.3. By Enterprise
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Cost Structure Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Money Design Company Limited
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Wealth Navi Company Limited
  • 14.3.3. Rakuten Group Inc.
  • 14.3.4. Monex Group Inc.
  • 14.3.5. The University of Tokyo Edge Capital Partners Company Limited (Finatext)
  • 14.3.6. Fundrise LLC
  • 14.3.7. Nomura Holdings Inc.
  • 14.3.8. Quantifeed HK Limited
  • 14.3.9. Gojo & Company Inc.
  • 14.3.10. Money Tree Company Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan WealthTech Solutions Market, By Value, In USD Million, FY2018-FY2032F
• Figure 2. Japan WealthTech Solutions Market Share (%), By Component, FY2018-FY2032F
• Figure 3. Japan WealthTech Solutions Market Share (%), By Deployment Mode, FY2018-FY2032F
• Figure 4. Japan WealthTech Solutions Market Share (%), By Enterprise, FY2018-FY2032F
• Figure 5. Japan WealthTech Solutions Market Share (%), By End-user, FY2018-FY2032F
• Figure 6. Japan WealthTech Solutions Market Share (%), By Region, FY2018-FY2032F
• Figure 7. By Component Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 8. By Deployment Mode Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 9. By Enterprise Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 10. By End-user Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 11. By Region Map-Market Size (USD Million) & Growth Rate (%), FY2024